The advice I remember was given to me by a WWII destroyer Commander, with whom I sailed transatlantic. (Well after the war.) He said he got it from the Air Force: "Plan everything. If you plan everything out, when it all goes to Hell, it will be because you planned it that way.".
What does a man need-really need? A few pounds of food each day, heat and shelter, six feet to lie down in-and some form of working activity that will yield a sense of accomplishment. That's all-in the material sense, and we know it. But we are brainwashed by our economic system until we end up in a tomb beneath a pyramid of time payments, mortgages, preposterous gadgetry, playthings that divert our attention for the sheer idiocy of the charade. The years thunder by, the dreams of youth grow dim where they lie caked in dust on the shelves of patience. Before we know it, the tomb is sealed. Where, then, lies the answer? In choice. Which shall it be: bankruptcy of purse or bankruptcy of life?